The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,405
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,755
−HK$1,371/mo
Today · 4.125%
HK$46,126
baseline
▲ 0.50% · 4.625%
HK$48,933
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,252/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,287
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,582
−HK$1,314/mo
Today · 4.125%
HK$50,896
baseline
▲ 0.50% · 4.625%
HK$53,579
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,792/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,086
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,706
−HK$1,646/mo
Today · 4.125%
HK$55,352
baseline
▲ 0.50% · 4.625%
HK$58,720
+HK$3,368/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,704/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,945
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,499
−HK$1,576/mo
Today · 4.125%
HK$61,075
baseline
▲ 0.50% · 4.625%
HK$64,295
+HK$3,220/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,150/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,766
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,657
−HK$1,920/mo
Today · 4.125%
HK$64,577
baseline
▲ 0.50% · 4.625%
HK$68,506
+HK$3,929/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,154/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,602
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,415
−HK$1,839/mo
Today · 4.125%
HK$71,254
baseline
▲ 0.50% · 4.625%
HK$75,010
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,508/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,128
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,559
−HK$2,469/mo
Today · 4.125%
HK$83,028
baseline
▲ 0.50% · 4.625%
HK$88,080
+HK$5,052/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,056/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,917
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,248
−HK$2,365/mo
Today · 4.125%
HK$91,613
baseline
▲ 0.50% · 4.625%
HK$96,442
+HK$4,829/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,226/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,812 · Scale 2, in force from 26 Feb 2026)